Complaints

This profile includes complaints for Capital One Financial Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Capital One Financial Corporation

  15000 Capital One Dr Richmond, VA 23238

  
• 

  Capital One Financial Corporation

  PO Box 60504 City of Industry, CA 91716-0504

• 

  Capital One Financial Corporation

  13952 Peach Grove Street Sherman Oaks, CA 91423

• 

  Capital One Financial Corporation

  PO Box 60501 City of Industry, CA 91716-0501

• 

  Capital One Financial Corporation

  P.O. Box 93016 Long Beach, CA 90809

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/28/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I mailed 3 checks to pay off each credit card. I had them mailed and signed for. Post office said they arrived and signed but they keep saying they can't find them and they can't do an investigation because they have not been cashed.

  

  Business Response

  Date: 07/18/2022

  The business responded directly to the customer.

• Initial Complaint

  Date:06/27/2022

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I noticed that my most recent credit report contains late payments reported on May, June, September, and December 2021 and January 2022 for my auto account. I want you to know that I understand my financial obligations, and if it weren’t losing my jobs in the Covid-19 pandemic, I’d have an excellent repayment record. I made a mistake in falling behind, but since then, I have had consistent employment and I’ve had a spotless record of on-time payments. I’m planning to apply for a mortgage, and it’s come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesn’t reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. Thank you for your consideration, and I hope you’ll approve my request.

  

  Business Response

  Date: 07/15/2022

  The business responded directly to the customer.

  Customer Answer

  Date: 07/15/2022

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].
  
  Regards,
  
  ***
  
  
  
  

• Initial Complaint

  Date:06/24/2022

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm receiving spam after spam from this fraud of a company. I don't have dealings with them and never have, as far as I can remember. I called their data line to ask that I be removed from their system but they said that they could only partially remove me from the system unless I got transferred to their automated line and input personal info such as my ssn. I would like Capital One to never, never contact me again. Next step after this is I get a lawyer if they refuse to stop sending me spam.

  

  Business Response

  Date: 07/06/2022

  The business responded directly to the customer.

  Customer Answer

  Date: 07/06/2022

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********* and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].
  
  Regards,
  
  ******** ******
  
  
  
  

• Initial Complaint

  Date:06/24/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Originally got a loan in the amount of $********* and my APR was **%. When you get on their app/website, it shows that I have paid $********* and they are saying that I still owe $********. I called and they are saying that it’s due to late fees and an extension, which I have done only one extension. Second, interest is much higher and they focus more on paying off their interest. It cannot be interest because when I got the car, the cost of it was $**** and the remainder was their interest so now they are adding more interest which was not what was agreed in.

  

  Business Response

  Date: 07/06/2022

  The business responded directly to the customer.

  Customer Answer

  Date: 07/06/2022

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  *********** *******  
  
  
  
  

• Initial Complaint

  Date:06/23/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  was enrolled in automatic paments for statement balance, they must have cancelled payment because I didnt, i called them and they did reverse fee and interest but now they have charged me ***** for interest, I called them and they say I still owe this, I also called 800 number which they request you do before filing a complaint but they dont want to do anything so I closed my account.

  

  Business Response

  Date: 07/06/2022

  The business responded directly to the customer.

  Customer Answer

  Date: 07/10/2022

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ******* **********
  
  
  
  
  

• Initial Complaint

  Date:06/19/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2: it also states a consumer reporting agency cannot furnish a account without my written instruction. In accordance with theFair Debt Collection practices act. Debt collection are not allowed to communicate with me under the 15 U.S.C 1692C

  

  Business Response

  Date: 07/06/2022

  The business has responded directly to the customer.

• Initial Complaint

  Date:06/13/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I keep receiving these prequalified offers for credit every other week from capital one. I had an account with them some years back and my credit card was stolen. they told me they erased all the fees and interest from the account and i was in good standing. i believe to my knowledge it was a mutual understanding to close the card after the charges were dismissed. i have sent numerous letters to the ceo asking him to remove those remarks from their database to get another account that i am prequalified for. The account isnt even showing up on my credit because the debt was not verifiable and i was told on recorded calls i dont owe anything. Capital one please fix this as i keep getting inquiries from your offers in the mail and your reasoning is only based on previous account activity. this is unfair and predatory. how am i prequalified and preapproved when you ran my info but yet you cant give me a card. I was also told by a credit specialist rep from the fraud dept and several other depts to give them 30 days to remove the info from the account that was well over 1 year ago. i had the previous account when i was 17-18. I am now 24 going on 25. enough is enough

  

  Business Response

  Date: 06/22/2022

  The business responded directly to the customer.

  Customer Answer

  Date: 06/22/2022

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [they are prompting me back through the cycle of calling in to hear the same excuse. They also are asking me for my personal information which is listed here. Capital one needs to resolve this or have someobe from corporate call me to have this fixed immediately 
  
  Regards,
  
  ********** *****
  
  
  
  
  

• Initial Complaint

  Date:06/12/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid full balance per statement and online balance of $******* on June 8th 2022. Then on June 12th and by available credit was retired to $****. I received a statement notice via email stating I owed an additional $*****, I immediately called Capitol One and was originally told that I had paid my payment one day late for June I said no I paid June payment on May 36th so it was not late. I then requested to be transferred to a supervisor who originally stated the same one I restated that I paid my original June payment on May 26th she reviewed account then stated that I was correct but because I did not pay the full balance do on it before June 7th then I now have an additional amount for residual interest. I stated how is it fair I paid the whole balance one day late because I had originally selected the wrong box. I stated that I still paid the balance the system indicated was my balance once I posted it my balance went to zero and full credit balance was retired. Supervisor said I would still owe the balance because it was a day “late”, and that I would have had to request a payoff and not go by what system showed. As a consumer how are we supposed to know the balance in the system is not what is need to pay off the account and we would receive an additional bill? The system give options as pay minimum fue balance, last payment amount or other amount. No where does it state to call for payoff nor give a different payoff amount other than balance. My statement for the $***** also show the previous balance and payment credit of exactly the same amount. I told supervisor I did not agree and would not be paying additional amount and I would file a complaint but did not seem to care. No where on my statement does it state I have to call for a payoff it simple give you a total balance which I paid. I have seen how they waive late fees for some but yet can waive this fee when I paid off balance? How is this fair?

  

  Business Response

  Date: 06/16/2022

  The business responded directly to the customer.

• Initial Complaint

  Date:06/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Cap Auto Finance Hello Thank you for taking a couple of minutes out of your busy day to read this letter. I’ve enjoyed my relationship with Capital One Auto since 2020. I’m writing because I noticed your company reported late payments for March, April, and May on my credit reports. I am requesting a goodwill adjustment to remove these late payments from my *********** ******** *** ******* credit reports. Upon review of my records, I realize that I did indeed miss the payments deadline. Unfortunately, I had back to back issues affecting my job and health which prevented me from working along with COVID-19. I am an independent contractor which means I am paid only when I have projects, during the past 3 months, my funds were limited because of my health issues. When I was sick over the past 3 months, I had to pay out of pocket for my medical expenses because I do not have healthcare or insurance due to my independent contractor status. My health conditions caused major issues and honestly it was a life or death situation. Meaning, if I would have made my car note payments, I most likely would have died since the hospital refuses to provide medical treatment without upfront payments. Although this was out of my control, I take full responsibility for the mistake and have made sure it won’t happen again by opening up a savings account for any future issues that may occur. I am also in the process of applying for a Mortgage Home Loan and the negative impact of the late payments is causing every lender to reject my application which is ruining my life. I love CAPITAL ONE and I am begging for MERCY as my health condition has ruined my credit. I am now in a much better state and promise to never let this happen again. I promise not to EVER miss a payment as I will enroll in AUTOPAY. Thank you for your time and consideration and I pray you give me mercy, I literally can no

  

  Business Response

  Date: 06/21/2022

  The business responded directly to the customer.

• Initial Complaint

  Date:06/08/2022

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My complaint is in regards to my capital one account, ending in **** and the dispute case # ****************. This was a dispute involving ********** for the amount of $******* I ordered an ****, returned the item and didn't get a refund. I sought the help of capital one and provided an abundance of documentation (order confirmation, return policy, return tracking number, copy of return label displaying the merchant's full address and postage paid, and finally, an email from the merchant agreeing to a refund). The customer service specialist handling this case would continue to purposely jeopardize this case, resulting in perpetual dispute closure and re-bills. This was an open and shut case. The merchant would continue to only provide a copy of the original transaction whilst not even acknowledging my return and that was all that was necessary for Capital One to rule in their favor. I am asking that this dispute be re-opened and/or, in the least, that a refund be issued. I should not be held responsible, due to the incompetence from the customer service agent that handled this dispute.

  

  Business Response

  Date: 06/15/2022

  The business responded directly to the customer.

  Customer Answer

  Date: 06/15/2022

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].
  
  Regards,
  
  ******** ******